USDA and FHA Pro and Con in Zephyrhills-North, Pasco County, FL

In 2025, the USDA loan limit for Zephyrhills-North, situated in the county of Pasco, FL, is set at $285,000. Meanwhile, the FHA loan limit for a single-family home is $356,362.

Use the Lendersa® USDA loan calculator to compare today’s prime USDA against FHA rates, determining the necessary income, credit, reserves, and documentation to qualify. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding you in selecting the ideal program for your financial needs in .

Explore loan offers from 100 different lenders

Loan Limits and Down Payment Requirements for 2025 in Zephyrhills-North, Pasco, FL

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Zephyrhills-North, FL

Lendersa's aim is to swiftly connect you with the most suitable USDA or FHA loan without complications. Start with one of three available paths to match with lenders and USDA loan options.

Lendersa USDA loan request and matching results

Understanding USDA Loans in FL

Known also as a USDA rural development loan or USDA mortgage, a USDA home loan is a mortgage guaranteed by the government's Department of Agriculture, available only in rural areas. In contrast to FHA loans requiring at least a 3.5% down payment, USDA loans require none, making them more accessible for qualified applicants.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • JMAC Funding
  • PO Box 91472, San Diego, CA, 92169
  • Our Private Hard Money loans typically take 5-10 days and are based on equity in the property, not your credit score. We do require strong collateral (the property you're borrowing against), however we can often cross-collateralize a second property of yours to meet equity requirements. Our loans are for business purposes only
  • JMAC Funding - The Hard Money Pros
  • PO Box 91472, San Diego, CA, 92169
  • Private Hard Money Loans provide fast, equity based hard money funding for loans on residential property as well as commercial loans and land loans, regardless of credit score. For private loans, hard money loans, and bridge loans in California please call us or apply online with our 2 minute quick online application.
  • Puente de Oro Home Loans
  • 14920 Perris Blvd, Suite 143, Moreno Valley, CA, 92553
  • We love our customers, so feel free to visit during normal business hours. There's much to see in Puente De Oro Home Loans, So, take your time, look around, and learn all there is to know about us. They giving SERVICES FOR SELLERS, BUYERS AND REFINANCES. We will help you in the process of your dream home purchase!
  • FRS Funding
  • 31730 Railroad Canyon Rd, Suite 4, Canyon Lake, CA, 92587
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Nationwide Funding Group Corporation.
  • 13800 Heacock St, Suite D135A, Moreno Valley, CA, 92553
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Prodigious Capital Group Inc
  • 31600 Railroad Canyon, Suite E, Canyon Lake, CA, 92587
  • At Prodigious Capital Group Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Pacific Sun Mortgage Company, Inc.
  • 990 Highland Drive, Suite 204-A, Solana Beach, CA, 92075
  • Pacific Sun Mortgage, Inc. is a Del Mar Mortgage Company and San Diego Mortgage Company offering some of the best Mortgage and Refinance Rates. We specialize in Home Loans and Mortgage Refinancing in California. If you are looking to Refinance, we offer the lowest Refinance Rates.
  • Coastal Pacific Mortgage Corporation
  • 251 La Barranca Drive, Solana Beach, CA, 92075
  • Hughie Thomas President & Founder of Coastal Pacific Mortgage Corporation in 1980 Providing All Types of Residential Financing. As a Mortgage Broker Hughie is not limited to just one lender. He have been able to establish relationships with many different lenders allowing me to shop for the best rates and terms for you.
  • Premium Funding Group
  • PO Box 914, Solana Beach, CA, 92075
  • Premium Funding Group is built on over 25 years of combined experience in mortgage lending. Its founders and lead loan officers, Sean Pope and Zachary Taylor, along with their experienced staff, work with you personally to find the program that best fits your situation. In this environment of tighter guidelines and paperwork.